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and managing money

Advice on running a bank account, planning your finances, and cutting costs.

Managing money

See how you can make your money go further and use our Budget planner to discover how much cash you have coming in and what you're spending it on.

Running a bank account

Find out how to manage a bank account, from paying money in to keeping track of interest and charges.

Cutting costs

Help with trimming your energy, home phone and broadband bills, and tips on getting holidays for less.

Coming soon

Student and graduate money

Help with preparing your child for student life, including tips on budgeting at college or university.

Coming soon

How to access our advice

During the pandemic we've had to temporally close our advice centres. We are still here for you and you can still access our free and impartial advice in the following ways:

In Person

We have locations across the South West through our partner agencies including local Citizens Advice and Independent Agencies.  Find your nearest Debt Free South West partner Advice Centre here.


Give us a call on freephone 0800 138 3422, or use our form to request a callback.


Need to speak to an Adviser face-to-face but can't make it to one of our centres? Use our new Video Advice service.

WhatsApp & Text message

Can't talk? No problem! Use WhatsApp or SMS Text message to drop us a message us on 07445 124 284.


Our Advisors can help you via the webchat feature on our website. To start a webchat, click on the orange button at the bottom of the page.

How we've helped others

Gwen & Vincent's Story

Gwen and Vincent contacted us after receiving a letter of court action. As parents to four children they were claiming Working Tax Credit and Child Tax Credit but they had been overpaid by £8,450.00 due to incorrect information on their initial claim form.

Shamiya’s Story

Shamiya found herself in receipt of a County Court action brought about by her utility company for arrears of over £2,000. The debt had escalated as Shamiya’s utility meter hadn’t been read for some time resulting in an unexpected bill that she couldn’t afford to pay.

Jasmine's Story

Jasmine came for debt advice in relation to an outstanding Major Work repairs debt carried out on her property. Jasmine, widowed and suffering from long term ill health, was harassed by her landlord who was demanding she pay the outstanding figure of over £3,000 in full and referred Jasmine’s debt to their solicitor to issue her with a forfeiture of her leasehold.